IndiGo Axis Bank Premium Credit Card
Axis Bank · Open to apply
IndiGo's premium co-brand card from Axis: ₹5,000 fee returned as a 5,000-BluChip voucher plus a 6E Eats voucher every year, up to four more 5,000-BluChip vouchers at ₹2, ₹5, ₹8 and ₹12 lakh of yearly spend, 7 BluChips per ₹100 at IndiGo, 3 on groceries and hotels and 2 on everything else, 2.5% forex markup and 2 domestic lounge visits a quarter plus 2 international a year. BluChips only buy IndiGo fares.
- Annual fee
- ₹5,000 + GST a year
- Joining fee
- ₹5,000 + GST
- Base rate
- 2 BluChips per ₹100 on all other eligible spends: 2 IndiGo BluChips per ₹100 (about 0.9% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹50,000 spend; International: 2 visits a calendar year
- Forex markup
- 2.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 7 BluChips per ₹100 at IndiGo: 7 IndiGo BluChips per ₹100 (about 3.15% at cash value)
- 3 BluChips per ₹100 on groceries and hotels: 3 IndiGo BluChips per ₹100 (about 1.35% at cash value)
Earns nothing on
- No BluChips on government, insurance, utilities and telecom, rent, wallet, fuel, jewellery, tolls, gift cards, EMIs and cash withdrawals
Where the sources disagree
- Double welcome offer window: The offer's own terms say applications from 2026-06-01 to 2026-10-31; the product page says "between 1st September - 31st October". The terms are used. By 2026-11-06 the product page no longer mentions the offer.
- Accelerated earn category: The T&C's MCC-list heading refers to "Grocery & Dining" while the earn clause above it ("Grocery & Hotel"), its MCC table and the product page say groceries and hotels (hotel MCC 3501 to 3838 and 7011). Hotels are used.
Terms the calculator does not value
- IndiGo sets the BluChip's redemption value and says BluChips have no monetary value; no rupee figure is published. The calculator uses the platform's indigo-bluchip estimate (₹0.45), so every BluChip figure on this card is an estimate.
- Vouchers (fee, double welcome and milestone) are valued at their BluChip face value, but they are valid six months, cover one one-way journey's base fare and are consumed in full, so they are worth less on a low fare or if unused. The yearly 6E Eats voucher is not valued.
- Axis's grocery list includes MCC 5399 and 5999, which sit outside our groceries category, so those spends earn the base rate here.
- If a RuPay variant is issued, the T&C give no UPI earn rule or cap. The calculator earns the base rate on UPI spend for the RuPay variant with no cap, which is an assumption.
- Complimentary international lounge visits need a USD 1 charge (reversed) on the card; Priority Pass entry beyond 2 visits is paid.
Sources
- IndiGo Axis Bank Premium Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- Terms and Conditions, IndiGo Axis Bank Premium Credit Card (earn, milestones, lounges, BookMyShow, BluChip programme terms) (Reward terms, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Key Fact Sheet (last updated 2026-10-08) (Schedule of charges, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Most Important Terms and Conditions (PDF created 2026-10-08) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Axis Bank Credit Cards Domestic Airport Lounge Access Program (Reward terms, the bank's own, read 6 Nov 2026)
- Revision of IndiGo Axis Bank Premium Credit Card Terms and Conditions (effective 2026-08-28 and 2026-11-01) (Bank notice, the bank's own, read 6 Nov 2026)
- Axis Bank press release, 2026-02-18: Unlock More with Every Swipe, Axis Bank and IndiGo unveil co-branded credit cards (Press release, the bank's own, read 20 Oct 2026)
- Terms and Conditions, IndiGo Axis Bank Premium Credit Card, double welcome offer (Reward terms, the bank's own, read 6 Nov 2026)
- IndiGo Kotak Credit Card T&C (carries IndiGo's BluChip programme redemption clause) (Partner's page, read 6 Nov 2026)
- CardAdvisor: IndiGo BluChip programme page (Third-party site, read 20 Oct 2026)